Do Canadian Courts Award Punitive Damages to Medical Malpractice Victims?


All physicians in Canada who are in private practice or who work for hospitals must have medical liability insurance. Liability insurance, available through the Canadian Medical Protective Association (CMPA), has its premiums (also referred to as membership fees) determined by the type of medicine a Canadian physician performs and the region in which he or she works. There are three fee regions for CMPA coverage, Ontario, Quebec, and the rest of Canada. Not based upon a doctor’s medical record or history of complaints and payouts, insurance premiums are standardised through these three regions.

Fees that are paid to CMPA provide physicians with insurance coverage as well as the right to obtain legal representation when medical malpractice lawsuits arise. But don’t be deceived into thinking that doctors pay astronomical premiums for this coverage as provincial governments reimburse doctors for some of the CMPA membership fees they pay, with the amount provided by each government not made public. The Canadian government claims that it offers these reimbursements to their physicians in order to discourage doctors from moving their practice to another province or to the United States. Many believe that the fact that the CMPA does not base fees upon a doctor’s record means that doctors aren’t appropriately penalized when they commit an act of medical malpractice, thus putting the general populace at risk of further injury. Most disciplinary action inflicted upon Canadian doctors is accomplished on the provincial level by the licensing body there, with disciplinary actions ranging from losses and suspensions of medical practice privileges to fines.

Many have criticized the CMPA for its zealous defence of Canadian physicians and accuse the organisation of not entertaining reasonable medical malpractice offers as a means to discourage the filing of such cases in the first place. And, since the losing party of a Canadian medical malpractice
lawsuit must pay approximately two-thirds of the successful party’s legal fees and the CMPA’s practice of incurring large legal expenses when it defends medical malpractice claims, many legitimate medical malpractice claims are never filed.

Characteristics of Medical Malpractice Punitive Damages that are Awarded in Canada

The most often seen damages that are sought by victims of medical malpractice are punitive damages. And where punitive damages are concerned, Canadian courts usually can be characterized as follows. Canadian punitive damage compensation:

  • Are most often the exception rather than the rule
  • Awarded only in cases of the degree from which the ordinary standards of behaviour are malicious, arbitrary, high-handed, or highly reprehensible
  • Are assessed in proportion to harm caused, degree of misconduct, vulnerability of the injured party and advantage or profit gained by the doctor involved
  • Only is taken into consideration with no other penalties or fines are assigned
  • Is often awarded in cases where the doctor’s misconduct would otherwise go unpunished and monetary damages are inadequate to represent deterrence, retribution or denuniciation
  • Is not used for compensation to the injured person
  • Is used to deter the doctor from participating in the behaviour again
  • Is awarded in an amount no greater than necessary to accomplish their purpose
  • Is considered a “windfall” to the injured party

Characterized as moderate, punitive damages in Canada are considered by the government to been generally sufficient for their purpose.

When to Consult with a Canadian Medical Malpractice Lawyer in Your Area

Punitive damages are effective in regulating the behaviour of Canadian physicians; but, don’t let the many stipulations or the behaviour of the CMPA dissuade you from filing a medical malpractice suit should you suffer injury at the hands of your doctor or other healthcare provider. If you can collect any monetary award of damage, you will greatly enhance your ability to take care of your medical issues that have been created from the medical malpractice. Contact a personal injury lawyer experienced in handling medical malpractice lawsuits in your area for a consultation concerning your claims.


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  101. Pandas are cute animals. They are also easy to paint, you can either paint a simple panda shown below or paint multiple pandas playing in the grass, a baby panda with mother, a panda chewing on bamboo, or any other idea you think of.Canyon Creek Lakes and L Lake Backpacking
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  102. Both carbohydrates and sugar act to replenish glycogen levels in the body (liver and muscle tissue) our body’s primary source for energy production. If you have adequately “filled” glycogen levels, your body has ample resources to meet energy demands, so it won’t need to burn extra energy that your body has stored.
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  113. Innovation is not particularly encouraged. Since the people are guaranteed a certain minimum standard of comfortable living why should they do that which gets them out of their comfort zones? This leads to a slump in economic development.
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  119. In a socialist country, people usually lack the incentive to work. A socialist country gives little chances, if at all, for financial freedom. People are not usually able to become entrepreneurs as most aspects of the economy such as the factors of production and/or capital are controlled commonly or by a government. Friedman uses the example of Russia where he states that most of the workers usually moonlight to make some extra cash.
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  126. According to Friedman, capitalism facilitates choice, which may determine success seeing as how in a capitalist economy one chooses what and where he would like to work or in what income generating activity he wishes to indulge in.
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  128. Between the numbers of low carbohydrate diets and studies linking the consumption of processed carbs to obesity and chronic diseases, carbs have become the black sheep of the nutrition world. But let get one thing straight: Heavy consumption of PROCESSED carbs affects the body hormonal machinery, leading to inflammation and excess fat storage.For muscle growth and overall performance, however, HEALTHY carbohydrates are a necessity. The challenge is to take in just the right amount of carbs at just the right times. It turns out that what carbs you eat and especially, when you eat them can drastically affect your body response to them. Through a process called carb cycling, you can manipulate carb consumption to maximize muscle growth while you minimize negative effects.The plan requires strict adherence and meticulous carb counting, so it not for everyone. In fact, carb cycling is most effective for those who already are fairly lean and have a final 10 to 15 pounds to lose, or who just want to drop a few body fat percentage points. (For those with a lot of weight to lose, simply cutting back on starchy carbs will generate results.)In carb cycling, your week is divided among three types of days: no carb days, low carb days and high carb days.NO CARB DAYS: On these, you eat high fiber vegetables such as leafy greens, asparagus, broccoli, onions, peppers and mushrooms freely, along with lean protein and a serving or two of good fats. Refrain from starchy carbs such as potatoes, rice, cereals and oats. These include starchier veggies such as beans, zucchini, squash, and pumpkin. Total carb intake should be less than 25 grams per day all from fibrous veggies.LOW CARB DAYS: Here, the goal is to stay below 75 grams of carbs. Once again, fibrous veggies can be eaten freely, but add in two to three servings of starch from clean sources such as brown rice, sweet potatoes, oats, starchy veggies and fruit. carbs are hypoallergenic ones free of gluten, soy and dairy. For best results, having starchy carbs post workout on these days is recommended.HIGH CARB DAYS: The total amount of carbs will vary based on your size and activity level. Women will consume between 150 and 200 grams while men can get away with up to 300 grams. Most of these should come from clean sources. But if you are going to enjoy a cheat meal, it is advantageous to have it on a high carb day.Don forget to continue to eat plenty of lean protein and a serving or two of healthy fats. A high carb day is not an excuse to binge eat; it a systematic way to reset muscle building and fat burning hormones.Using these three daily eating protocols, it possible to alter the body hormonal environment to maximize fat loss and muscle gain throughout the week.A sample week of carb cycling looks like this:Since carb cycling employs high carb days, it psychologically satisfying, curbing cravings and making it easier to adhere to the program. But when we do two or more higher carb days in a row, fat storage momentum can build. That why no carb days follow high carb days it minimizes the potential for fat storage and keeps your body insulin sensitive.Insulin? What does that have to do with anything? , you might be asking. As it turns out, quite a bit.Why Carb Cycling WorksCycling carbs is more of a hormonal strategy than a caloric one. Varying carb intake influences several hormones that determine body composition. These storage depots for carbs are finite. When they become full, as they do when we eat too many carbs, they are metabolized and stored as fat.The key to carb consumption, as far as insulin is concerned, is to eat to the point of satiety and having enough fuel for workouts and energy balance, but not consuming so much that we get spillover into fat storage.Insulin release varies based on type and amount of carb consumed. Carb cycling manipulates insulin to minimize fat storage and maximize muscle synthesis. Low carb and no carb days help us stay sensitive to insulin, and push fat burning. High carb days maximize muscle growth and replenish carb storage to enhance exercise intensity.Produced mostly by the fat cells, leptin is a regulatory hormone for hunger and satiety. It is released in response to defined as a time of 12 to 24 hours of increased carbohydrate and caloric intake.Unlike insulin, leptin does not increase significantly as a result of a single meal. Instead, it creeps over a sustained period of increased carbohydrate consumption. Leptin acts as a feedback mechanism in the hypothalamus to signal satiety. In addition, through secondary hormones, leptin also signals to the body to speed metabolism.In those who eat a high carbohydrate, high calorie diet, leptin remains high. This can result in leptin resistance, where the hypothalamus is no longer able to leptin. When this happens, we cannot feel full a dangerous outcome for those trying to lose weight.However, very low levels of leptin, which occur on a low calorie and low carbohydrate diet, give the body the opposite message: be hungry, eat, conserve, slow down.In carb cycling, when leptin begins to recede to the point of drastically increasing hunger and slowing the metabolism, a high carb day is in place to help reset it. This way, we stay leptin sensitive.A good brain chemical, serotonin, boosts mood and is often used in pharmaceuticals to treat depression. Carbs boost serotonin production, so eating carbs boosts mood.Low serotonin, as would occur as a result of a low carb diet, is associated with increased cravings for sugar and chocolate. Many diets fail because low serotonin makes dieters feel depressed. Carb cycling regulates serotonin levels and as a result, curbs cravings. From a psychological perspective, carb cycling as a protocol is easier to sustain than other diets because serotonin never drops off completely.Cortisol is a catabolic hormone, meaning it breaks down molecules to be used as fuel. It can be both beneficial and detrimental, as it doesn discriminate between breaking down muscle and fat for fuel. However, there is plenty of research to show that eating protein can help maintain muscle even in a catabolic state.Eating a meal containing carbohydrates essentially shuts off cortisol production; this is why many bodybuilders will eat a meal containing carbs and protein immediately upon waking. By carb cycling, excess cortisol production (and muscle catabolism) is avoided. At just about the time that cortisol production begins to become excessively catabolic following no and low carb days, a high carb day is in place to reset this hormone to avoid muscle loss.carb Dessert For The Super Bowl Video
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  129. Car accidents are currently the number one killer of people between the ages of 1 and 37 in the United States. Car accidents, crashes, and collisions cause about 3 million injuries a year, 2 million of which are permanent and crippling injuries per year. 40,000 people die in car accidents every year in the United States alone. The Department of Transportation reports that most of these car accident deaths can be avoided. About 40% of car crash fatalities involve drinking alcohol and driving. Many accidents involve some combination of alcohol and speeding. Additionally, seatbelt use is only around 68% despite the proven fact that seatbelts protect drivers and passengers and save lives. In more than half of all car accident fatalities, the deceased were found not to be wearing their seat belts at the time of the crash.
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  130. Hate speech, bigotry, and personal attacks are not allowed. Death threats and telling others to kill themselves will result in a ban.
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  133. Her brand BETTER is about doing something, even when you can’t do everything. Knowing that working out and eating well needs to be about nourishment, not punishment. Reminding women, that when they mess up, it doesn’t mean they should give up between perfection and giving up, there’s BETTER. In her clinical practice, Dr. Brooke identifies each patient’s unique dietary needs and metabolic makeup in order to develop a customized plan for fat loss, hormonal balance and most importantly, feeling better about themselves. After many years of experience, she’s found that giving someone the plan is the easiest part ensuring they implement it is the hard part. Dr. Brooke bridges this gap between knowing better and doing better by helping her clients implement successful habit change, create a positive mindset and stop clinging to the impossible quest for “perfect” that keeps them from making progress toward their best.
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  141. I do find some value in carbohydrate consumption for people who do high intensity resistance training. When performance goals are the primary driver, we time carbohydrate consumption around a sufficiently intense workout. What you’ll find is the amount of carbohydrates needed to support pre and post exercise demands is surprisingly low. When you are consistent about eating a low carb diet your body becomes more efficient at burning fat for energy, and a small amount of carbohydrates will simply act as a primer.
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  146. In contrast to the earlier nineteenth century, the United States carries a much less severe form of capitalism. During the 2008 presidential campaign, Barack Obama described his proposed federal income tax cuts for the middle class as “sharing the wealth” Taxation is a form of government interference in the market. It causes some deadweight loss to occur and thus reduces market efficiency as a whole. This shows that the United States has, over the years, incorporated some socialistic ideas. The markets are not free; they are highly rcontrolled. The exchange rates and values of our currency do not float freely but are manipulated heavily through government rate setting activities such as devaluation of currency to increase exports and revaluation to increase imports. They are incentivized or discouraged by the Internal Revenue Code.
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  155. Pandas are cute animals. They are also easy to paint, you can either paint a simple panda shown below or paint multiple pandas playing in the grass, a baby panda with mother, a panda chewing on bamboo, or any other idea you think of.Canyon Creek Lakes and L Lake Backpacking
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  159. The Capuchin inspired their name of The Capuchin Monkey, a species of primate found in Central of South America. This monkey has a brown and creamy color, which is the color of the Capuchin Monk’s Robe and the color of the cappuccino drink.
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  160. This trip is a total winner. I”d definitely recommend taking Army Pass (and not New Army Pass) to tackle Mt Langley maps don”t show the trail up Army Pass, but it”s an easy to find continuation of switchbacks from the head of Lake 4 of Cottonwood Lakes, and the views from the top back over the Lakes are stunning beware you may find it so beautiful in the Lakes you”ll want to stay an extra couple of days (another trip we did here later September, it snowed 6 inches overnight amazing blue skies and winter wonderland views the next day deer around as well). Mt Langley is well worth the effort (one of CA”s 14,000 footers at 14,026”) as the views from the top are superb, especially of Whitney not technical a bit of bouldering about 100 feet below the summit no main trail, just follow the various scree trails up and over. And the side route to Siberian Pass is well worth the effort do note that if you do the Siberian Pass loop, there”s no water after Big Whitney Meadow til you reach Rock Creek (streams are marked on maps north of Siberian Pass before you connect with the PCT, but are all dry!). If you”re traveling to Rock Creek between June and end of October, make sure you visit the Ranger”s station (way back in the woods!) and chat with Erica and husband Dave great couple with a real passion for the region. And when camping at Rock Creek, there”s a bear box further up the trail, which you can miss if you camp at the first clearing by Rock Creek check out the very high, wide and deep bear scratch marks on some of the trees at the campsite to appreciate the box and your own bear cache. And as you”re just below 10,000”, you can light a fire do use the existing rock surround at the first clearing. All in all, a highly recommended trip!Capacity Planning
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  162. Types of Car Battery ProblemsThere are multiple types of problems that a person might run into with their car battery. Here are just a few:
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  163. When we are talking about cappuccino, we are talking about a coffee drink that is a mixture of espresso and high steamed milk. Making cappuccino needs coffee machine, originated from the espresso coffee machine by adding the milk steamer into the machine. It did not take too long for the Italian to invent the cappuccino machine after the espresso machine being invented on the early 20th.
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  167. Questions seeking professional advice are inappropriate for this subreddit and will be removed. more >>
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  191. Consumer banking revenue was flat compared to the second quarter. Year over year revenue declined by $61 million or 4% driven by the impact of persistently low interest rates on the deposit business, declining mortgage balances, and margin compression in auto. Auto loan growth partially offset these negative revenue impacts.
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  205. The 2nd 1/2 of this trip isn’t nearly as spectacular as the first. Chicken Spring Lake is nice, but isn’t even close to the Cottonwood area.
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  212. Painting a tiny flower, a huge gathering, an old fort, or a latest model can be accomplished using a canvas, colors, and painting tools. All that you require to put into a colorful picture, is your imagination.
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  216. Net income available to share holders was $1.06 billion. This was 3% lower than the net income that was reported last year and 10% lower than the net income reported in the prior quarter as well. This decline in net income is due to the sudden hike in loan provisions rather than an increase in operating expenses. The company has managed to reduce operating expenses to a great extent, but this did not translate into higher bottom lines. The company reported net income per diluted common share at $1.86, which was 1% higher than what the company reported a year ago, but 9% lower than the earnings that were reported in the second quarter of 2014.
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  217. District of Columbia. A Fortune 500 company, Capital One trades on the New York Stock Exchange under the symbol “COF” and is included in the S 100 index.Capital One Financial Corporation NYSE
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  218. If you want to taste the real cappuccino you can go to Rome, while visiting The Capuchin Museum near the best coffee house in Via Veneto,.Caprese Appetizers Skewers
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  219. Pumpkin is also an antioxidant powerhouse, providing more than 200 percent of your daily recommended vitamin A intake, making it a fabulous food for optimal vision and eye health. It is also jam packed with beta carotene, which our bodies convert to vitamin A. This antioxidant gives pumpkin its gorgeous orange color and can help protect you from various cancers.
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  220. In addition to rising charge offs, we expect allowance additions resulting from loan growth. We aren’t counting on further economic improvement helping our credit loss nor are we projecting renewed economic weakness. Of course, changes in a still tenuous economic recovery could substantially impact our current loss expectations. Our current business remains well positioned. Loans, purchase volumes, and revenues are growing, and we are delivering strong and resilient returns.
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  223. 1. Remove the car seat from the car.
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  224. A Certified first responder is one who has received certification to provide pre hospital care in a certain jurisdiction. For example, the Certified First Responder in France. A community first responder is a person dispatched to attend medical emergencies until an ambulance arrives. A Wilderness First Responder is trained to provide pre hospital care in remote settings, and will therefore have additional skills in ad hoc patient packaging and transport by non motorized means.car seat is probably gross
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  225. The actions the protesters took on the drivers car along were not legally justified. They may have done worse to the person inside had they gotten their hands on them.
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  226. By seeing various social works of Mr. Santoshi Lal Rathore, country’s prestigous news paper, Nai Dunia soon decided to give “Captain of Industry Award 2010″ to Mr. Santoshi Lal Rathore Sir.
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  227. To identify any problems related to capacity and how they may negatively impact production schedules and the overall goal of meeting the forecasted customer demands.
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  228. The actions the protesters took on the drivers car along were not legally justified. They may have done worse to the person inside had they gotten their hands on them.
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  231. Follow (10)Comments 51 commentsGo to last comment
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  232. The bacteria was discovered in September after more than a dozen people across four states became ill. Eventually, the illness was tracked down to cantaloupes supplied by a single producer, Rocky Ford cantaloupes produced by Jensen Farms located in Granada, Colorado.
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  233. Wide income gaps between members of society. Some people in a capitalist economy get more revenue than others. This might lead to civil unrest in some countries as envy and greed are bound to occur.
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  235. And with that, I’ll turn the call over to Mr. Crawford. Steve?
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  236. Canvas painting is an art which has its own charm. Most of us desire to paint on a canvas, but fall short of ideas after picking up the brush. What we forget often is that you can find ideas for painting all around you. There is never any dearth of inspiration. It is everywhere you look, waiting for you to be inspired. Here are various examples of canvas art, that you can consider to create your own canvas art.
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  237. A hiking companion posed this question on a recent trip, “What if you could hike only in one mountain range for the rest of your life, which would it be?” After careful thought, I firmly responded, “The Trinity Alps!” From dense, low elevation coastal forests to glaciated granite peaks and everything in between, few other mountain regions possess the wide range of diversity found in the Trinities. The Canyon Creek Trail takes backpackers into the best of the Alps: sapphire blue lakes, tumbling creeks, dramatic waterfalls, wildflowers, rugged granite peaks flanked by permanent snowfields, exquisite scenery, and splendid vistas are all here in abundance. Beyond the backpacking, peak baggers, amateur naturalists, anglers, rock climbers, and cross country enthusiasts will find diversions aplenty in the heart of the range. This is a popular trail by Trinity Alps standards with good reason but perhaps also is the best sampling of what makes this area so spectacular and so unique.
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  238. Welcome to Day 2! These were the very first batch of cookies I made when beginning to test recipes for this series. I made them in early October and it was like 80 degrees here (which is odd). It did not feel like the holidays and yet I knew instantly that these would make the top 12. They met every criteria I look for: easy, beautiful to look at, and mouthwateringly delicious.
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  239. Driving requires licensure and is a privilege that is contingent upon following the rules and regulations thereof. If you cannot adhere to these stipulations, don drive a car. But under no circumstances are you permitted to use your vehicle as a weapon to bludgeon or injure pedestrians because you find it inconvenient to find an alternative route which was literally 30 feet to the left. At no point in your decision making process should “plow through a crowd of people” enter your mind.
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  240. Net income from the credit cards segment was $624 million. This was 10% lower than the net income that the segment reported for the third quarter last year. Also, this figure has declined by 7% relative to the net income that was reported in the second quarter of this year as well.
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  244. If you think your post has disappeared, see spam or an inappropriate post, please do not hesitate to contact the mods, we happy to help.caption this image
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  245. Hell, my friend in the Navy picked it up as well with nicotine and he was never a smoker. He finds it enjoyable and enjoys the effect nicotine has.
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  246. Not like the The Capuchin that has become less and less popular, the cappuccino drink becomes very popular after the World War II. They started to serve the beverages as they have the espresso machine equipped with the milk steamer for Cappuccino. Also people started to have more money to spend time in the coffee shop to drink cappuccino.
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  248. Some economists, who have been labeled extremists by some for their somewhat ‘far fetched’ ideas, believe that capitalism may eventually lead to the depletion of the earth’s resources as capitalism advocates for unrestrained economic growth, which leads to use of more and more resources.
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  249. Finally, how does the new issue compare to the preferred stock of its peers:
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  250. The net come from domestic cards displayed an even more dismal performance as net income for the quarter declined by 15% relative to last year’s third quarter, and was 9% lower than the second quarter of 2014. Net income from the segment was reported at $550 million.
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  252. lefseriver 3 years ago from Northern Minnesota
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  253. Pandas are cute animals. They are also easy to paint, you can either paint a simple panda shown below or paint multiple pandas playing in the grass, a baby panda with mother, a panda chewing on bamboo, or any other idea you think of.Canyon Creek Lakes and L Lake Backpacking
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  254. The company also declared a quarterly dividend on the outstanding shares of its 6.00% Fixed Rate Non Cumulative Perpetual Preferred Stock, Series B (the “Series B Preferred Stock”). Each outstanding share of the Series B Preferred Stock is represented by depositary shares, each representing a 1/40th interest in a share of Series B Preferred Stock. The dividend of $15.00 per share (equivalent to $0.375 per outstanding depositary share) will be paid on December 1, 2014 to stockholders of record at the close of business on November 14, 2014.
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  255. One of the most common things people turn to when they want to relax is a stay by the water. The sounds you hear in the background and the sceneries you will enjoy during your stay will contribute to your relaxation. The best part is that the caravan park Cambridge is located by the banks of the Great Ouse and it will enchant you with its sounds.
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  256. Net interest income for the company was $4.5 billion, but it was 4% lower than the net interest income that was reported in the third quarter of the prior year. The company registered a 5% year on year hike in the non interest income, which amounted to $1.14 billion.
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  260. The new Capital One preferred compares favorably utilizing this basis as well (BAC and C have a greater preferred yield advantage due to their miniscule dividend on the common shares).
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  261. Please post your recipes as a link to the source or original post. If you would like, include the recipe as the first comment (just in case the URL changes or is removed). If the original recipe is from a fellow Redditor, please credit their name. :)
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  263. Hi, I’m Lee Cotton, and I’m here to educate you on low fat, low carb salad dressings. If you’re like me, you want to make the healthy choice by consuming a salad. However, you don’t want to get the high caloric intake by eating a high fat, high carb salad dressing. So I’m here to educate you on some healthy alternatives. One of my favorite options instead of a high fat, high carb salad dressing is salsa. Salsa has a lot of flavor, it’s spicy, you can add it to your salads and add a little zest. Another really healthy alternative to high fat, high carb salad dressing is simply some fresh fruit juice with a little apple cider vinegar, mixed with some Dijon mustard and your favorite herbs, whisked together to make your own healthy salad dressing. It should not be used as a substitute for professional medical advice, diagnosis or treatment. LIVESTRONG is a registered trademark of the LIVESTRONG Foundation. Moreover, we do not select every advertiser or advertisement that appears on the web site many of the advertisements are served by third party advertising companies.Carbonnade Flamande Flemish beer beef stew
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  264. Wow! There was 5 of us that did this trip in 3 days. We went backwards on this trail (started Horseshoe Meadow through Cottonwood Pass and ended at Cottonwood Lakes). The first day we pushed hard(9miles), as we wanted to get as close to New Army Pass as possible. Just a note, when you first started off at Horseshoe Meadow, the first junction, be sure to make a RIGHT. Do NOT walk through the meadow (as we did and later found out we went the wrong direction). Getting past Cottonwood Pass wasn””t all that hard, and we stopped at Chicken Spring Lake for lunch as well as a much needed rest. After lunch, we continued on the trail and camped near the junction of Siberian Pass Trail and Cottonwood Lake Trail. There was a stream nearby for water, and it was a great campsite! Great solitude on this portion of the trail. we only saw about 3 other people, and that was near the beginning of the trail! No one else was at the campsite. We camped here to get ready for New Army Pass. New Army Pass was grueling (for me), but just keep going and you””ll eventually make it to the top. The views up there are AWESOME! Going up, there was no snow blocking our way and was a “easy” hike up. We rested on top of New Army Pass for a good 30 minutes or so, and started our way down. Going down, there was snow on a small portion, but it was easy enough to get down with trekking poles (a few of our members did not even have trekking poles and made it down with no problems). We made our way through High Lake and decided to rest there for a few minutes. Make sure to stop by, as there are many Golden Trouts swimming at the shallow ends of the lake. We pushed on and camped at Long Lake the second night. The campsite was right off the trail, and there were quite a few people camping there that night. all in all, this was a great trip. everyone who went ranked this trail among their top trails due to the variety of scenery you get to see.
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  268. Please post your recipes as a link to the source or original post. If you would like, include the recipe as the first comment (just in case the URL changes or is removed). If the original recipe is from a fellow Redditor, please credit their name. :)
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  270. Now let consider instances when a provocative question will stir the audience in business and professional settings. When Procter and Gamble acquired Gillette, a Gillette human resources official held separate meetings with 55 departments. With each presentation, he voiced the question he knew every employee was pondering silently: will the acquisition impact my job security and benefits? During his presentation, he gave detailed answers and then responded to questions and comments during discussion. As a result, the acquisition went smoothly, with morale remaining high.
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  271. Fiber is what I call a “support” food it makes it easier to do better. Staying fuller longer is an effortless way to curb your intake. Studies likethis oneshow us just that.
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  272. Hell, my friend in the Navy picked it up as well with nicotine and he was never a smoker. He finds it enjoyable and enjoys the effect nicotine has.
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  273. Follow (10)Comments 51 commentsGo to last comment
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  274. Delevingne doesn’t just own her name, she also owns her first company. She registered her own company Cara Co along with her father, Charles. Delevingne’s father is also the co director of her company. It’s not yet known what plans she has in mind for the company.
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  275. Another famous example: In his pivotal Have a Dream speech, Dr. Martin Luther King Jr. observed that opponents of the civil rights movement were wondering, will you be satisfied? King used that question as the springboard for listing what Negroes wanted in order to say they were satisfied: an end to police brutality, comfortable lodging in nice hotels and motels, permission to live in homes outside the ghetto, and an unlimited right to vote.
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  276. Non interest expenses increased $17 million from the prior quarter, driven by higher marketing expense. We expect both operating expenses and marketing to increase in the fourth quarter; driven by loan growth, the expected seasonal ramp in marketing and continuing opportunities, we see to drove customer relationships, purchase volume, and loans. Domestic charge off rate improved 69 basis points on a sequential quarter basis to 2.83%. We believe the sharp improvement in the quarter is temporary. The third quarter is usually the seasonal low point for card losses, but we think seasonality drove only about half of the improvement that we saw in the quarter.
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  277. In the past, only there was something wrong with our car, we would go the car mechanic to have a check. Never have the sense of initiative. It is not a good thing. Why not get an automotive diagnostic tool for a preparation? So you can diagnose your car at any time, you can reduce the errors which are unpredictable. By doing this, you can rectify errors by yourself, don depend the car mechanic.
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  278. 4. Remove the car seat cover from the form.
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  279. Turning to Slide 5, let me cover capital trends. Our common equity Tier 1 capital ratio on a Basel III standardized fully phased in basis was 11.8% in the third quarter, compared to 11.6% in the second quarter of this year. With the benefit of phase in our common equity Tier 1 capital ratio on a Basel III standardized basis was 12.7%. And while we have yet to enter parallel run for Basel III advanced approaches, we continue to estimate we are above our target of 8%.
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  280. Saying that 8+ year as a minimum is bad because in Norway the max is 6 years, is like saying Norway 6 years is bad because in some other country they don make you go to jail at all. It not because one country does it differently that one is right or wrong. I still think that killing someone is the worst thing you can do. He knew very well that drinking and driving was bad, yet he still did it, so he fully responsible for manslaughter no matter what. I not the one making the law, neither are you, so it pointless to argue about it anyways. I not OK with people who don have the common sense not to drive while drunk and who then are looking for pity because “Oh shit, I KILLED A CHILD.” I lost four of my friends to a drunk driver. Fucking bastards don deserve any favor or pity. I don care if they didn “mean to”, if it was an “accident”. THEY put THEMSELVES in a situation where they are prone to accidents. They CHOSE to maneuver a one ton metal box when they can even walk properly. No pity for them.captchoo comments on The save icon is a floppy disk and everyone still understands the
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  281. gucci gulty says:

    With the increase in auto theft in Melbourne every year the demand for car alarms here is automatically on the rise. These offer years of safety thereby giving the owner peace of mind. In fact these alarms are turning into a must have accessory. These are available in different varieties and are specially designed for giving one’s prized asset an all inclusive security network and are installed in a vehicle for alerting the owner regarding the theft. Thus, it is high time that every car owner should go for car alarm installation in Melbourne for best results.
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  282. Posting, or seeking, any identifying personal information will result in a ban without a prior warning. more >>
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  283. Since I now live in the US, I have also made this in the slow cooker and it works perfectly. So I am giving you that option in the cooking notes.
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  284. miu bags says:

    Discourteous, vulgar and profane postings do not lend themselves to meaningful, productive and civil discourse and are not acceptable here. Such posts will lead to banning from our community.
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  285. miu mi says:

    If you submit a gif that is submitted often then it may be removed.
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  286. Meanwhile, Giuliana Rancic thought that Mad Men star Christina Hendricks was worst dressed for what she wore to the Sundance Film Festival in Park City, Utah this past week. In fact, when asked her opinion as to why she didn like the choice, Rancic proclaimed, You want to be cozy at Sundance, but this is cozy crazy. voiced that Hendricks looked like a bag lady in her mishmash of styles that included what was called a head warmer, some funky boots that seemed to be made for hiking, an animal print faced statement handbag, and a full length coat that appeared to have been in moth balls for the past 40 years for good reason.
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  287. NSFW/NSFL tags are appropriate if your post may not be easy to watch for everyone.
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  288. Please also try to come up with original post titles. Submissions that use certain clichs/memes will be automatically tagged with a warning.CaptainRio comments on CCTV of five men savagely attacking a woman on the bus at London Bridge
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  289. Pumpkin is one of my all time favorite starchy carbs. It is officially a power food in my book. With three grams of fiber per one cup serving and only 49 calories, it can keep you feeling satisfied for quite a while.
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  290. No matter your fitness goal, a well developed weight training program is critical to sustain weight loss and improve health, muscle tone and metabolic efficiency.
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  291. The net interest margin performance remains the key for Capital One, given that nearly 80% of the revenues for the institution are generated from its credit card and commercial and consumer loans segments. The net interest margins of the company have shown some improvements relatibve to the previous quarter have improved relative to the second quarter of this year. Share prices have dropped from $83.02 on July 1, 2014 to $76.43 as at October 17, 2014.
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  292. Since you are here to enjoy the sounds of nature, the caravan park Cambridge is a place where you will enjoy its perks during walks and hikes as well. Every step you take on the green grass and every trail you will follow will make the stones crumble beneath your feet and you will know you are in one of the best locations for your vacation.
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  293. Mr. Santoshi Lal Rathore is a social specialist and a genuine helping personality having rich examinations. Like a committed social specialist he is continually eager to help the needful. He moreover helps the financially fragile people by all techniques. He Considers other’s act as his own particular no body returns from his door without fulfilling his trust. His pondering social organizations are worth to be taken after. Rathore Sir for his commitment to the overall population.Captain Ray Holt Brooklyn Nine Nine is the funniest character on television right now
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  294. In my opinion, given the lower beta nature of the issuer (than, say, BAC or C), the profitability and the lack of significant legal/regulatory overhang, the new Capital One preferreds compare favorably to the peer group preferreds (this is not an exhaustive list of peer preferreds).
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  295. This was an EPIC alpine hike period! Hard to think how you can pack in more in a good 3 day hike. I did this hike with my buddy Rob (see full details below). This hike offered a real diversity of terrain and views and is a good distance for both experienced and not so experienced backpakers (as myself). You can easily get away with only 8 miles a day with the pack and still do the circuit in 3 days. The elevation gains are not so hard, but the altitutde (up to 12,400 ft) will make you go at a slower than normal pace on up hills. However every uphill is rewarded with amazing views. Good idea to drive up to Lone Pine and aclimatize before heading out on the hike. Additionally, there are several basins you can jut off into sans pack which makes for great exploring on the side. For those coming from the SF area like myself, it is well worth making the extra effort to drive down to the Eastern Sierras! Enjoy!
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  296. Car diagnostic tool is benefit for you, as it can save your money and time on the car mechanics. If you want your car in a good condition and make it service you long, the investment the tool is necessary.Car DVR Video Camera Recorder
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  297. The listeria contaminated cantaloupes have killed four people in New Mexico, while two have died in Colorado, two in Texas. Kansas, Maryland, Missouri, Nebraska and Oklahoma have each had one death related to this outbreak.
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  298. miu miu usa says:

    These monks wear a robe with a brown color which is resembling the color of the mixture of the espresso drink with milk, called cappuccino that is very famous world wide now.
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  299. limit my search to /r/videosuse the following search parameters to narrow your results:see the search faq for details.
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  300. With less government, a capitalist country is not likely to have the vice of corruption.
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  301. According to Friedman, corruption is bound to exist. People living in socialist countries usually have to bribe officials or other people in strategic positions in order to get some kind of benefit that they were not supposed to receive. For example, a person may bribe the officials who hand out food stamp cards so that they get a card, which allows for more food. Friedman uses the example of a resident in Moscow who may have to wait for months to get his equipment fixed if he calls the state repair office. He may opt to call an acquaintance of his to do the job for him at an extra fee of course.
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  302. Although there is no dearth in the wide availability of car alarm systems in Melbourne but the top 4 are as follows,
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  303. This was my first foray into the High Sierra and a fine one it was!
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  304. Meanwhile, combine caramel bits and milk in a microwave safe bowl. Melt on high for 2 minutes until mixture is smooth, stirring every 30 seconds. Pour over crust. Sprinkle with chocolate and cashews.
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  305. Yea, i counter that by saying i actually live in sweden. And is does not work. It simply doesnt.
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  306. You can bring this liberal plate to a party time get together in your neighborhood, or where you met such a large number of benevolent, average individuals. While appreciating a considerable measure of heavenly dishes and beverages, I was paying more focus to our new companions than the sustenance, yet before I knew it, these nibbles of Caprese Salad Skewers were gone. Not just were they simple and quick to put mutually, yet everyone appeared to like them, as well. Sprinkled with olive oil, balsamic vinegar, salt and pepper, and gathered in 25 minutes, this was a simple, flavorful little hors d’oeuvre that will speak to anyone. Later on, we think we will include a little proscuitto or sun dried tomatoes to the chomps, however we think you would concur they’re super delectable generally as seems to be. Attempt these Caprese Salad Skewers for next time you have buddies over or need to bring an extravagant however non fussy starter to the table!
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  307. We want to keep this to approximately 25 to 35 grams of carbohydrates before and after exercise; an apple, mixed berries or sweet potato would be some good examples.
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  308. Key West Fishing Charters are abundant in different species of fishes and we all well versed with all types of fishing techniques and guide our visitors with the same. We excel in all kind of recreational fishing sports and offer you unparallel services to the tourists who visit our place for enjoying holidays and weekends. Apart from deep water fishing you can also enjoy fishing at flats or inside or outside the reef wherein you can observe the best bottom action to be found in United States.Captor comments on What company has forever lost your business
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  309. A family tree is easy to paint on canvas. You can keep the design of the family tree simple or make it as detailed as you want. Just make sure you have enough empty spaces on the tree to stick the names of the family members. A painting like this can be hung in the living room, where everybody can see it. are all time favorites for canvas. You can paint them in groups, as a couple or solitary. Here is an owl perched on a board. You can paint something like this and write the name of the person who the house belongs to, and hang it just outside the door. This can serve as a name plate.
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  310. miu miu shop says:

    We want to keep this to approximately 25 to 35 grams of carbohydrates before and after exercise; an apple, mixed berries or sweet potato would be some good examples.
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  311. A test drive needs to be taken. No matter if you have determined that your perfect car is already sitting on a dealer’s lot, you still need to test it yourself. No amount of prior research can compete with first hand experience. You might notice that the feel of the car isn’t what you expected.
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  312. Be sure to check out previous ModernGraham valuations of Capital One Financial for better perspective. (More.)Capital One Financial’s COF CEO Richard Fairbank on Q3 2014 Results
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  313. Be wary of any dealer who is not willing to give you an extended test drive. Asking for a full afternoon to test out the car is a perfectly reasonable request. If the dealer refuses and will not accommodate the request, you should take your business elsewhere. A car is a big purchase and a big commitment, a dealer should understand that and let you get completely comfortable with the car before purchasing.
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    Capillary Action, or Capillarity, the tendency of liquids to rise or to be depressed in tubes of small diameter. Capillarity is due to the adhesion of the liquid to the sides of the tube, and to the surface tension of the liquid.
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  315. For those of you who need or choose to eat gluten free and are aiming for fat loss, these low carb pumpkin recipes mean you won’t be missing out this season.
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  316. 3. Skewer the fixings. Verify you flee enough crevices on the sticks to let them to be confined effortlessly. Attempt to crush them towards the most extreme piece of the stick.
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  317. One example of a disorder that is suddenly widely prescribed is Post Traumatic Stress Disorder (PTSD). PTSD was first recognized as a serious problem among veterans returning from war. These men suffered cold sweats, panic attacks, nightmares, and compulsive behavior as a result of near death experiences and the mental anguish of war. Some doctors are now claiming that this same level of shock is regularly induced in car accidents, they cite numbers as high as 9% of car accident victims suffer significant post traumatic stress symptoms .
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  318. Using foil handles, lift from pan and cut into 36 bars.
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  319. And with that, I’ll turn the call over to Mr. Crawford. Steve?
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  320. The yearly high for the share was at $85.39, whereas the yearly low for the share was at $67.86. The one year price estimate for the share comes in at $92.05. Currently, the share trades closer to its low.
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  322. The net interest margin performance remains the key for Capital One, given that nearly 80% of the revenues for the institution are generated from its credit card and commercial and consumer loans segments. The net interest margins of the company have shown some improvements relatibve to the previous quarter have improved relative to the second quarter of this year. Share prices have dropped from $83.02 on July 1, 2014 to $76.43 as at October 17, 2014.
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  323. Good chance the driver was scared by the large crowd and that why they drove forward and drove off. If it happened to you, would you take you chances with a crowd that may rip you to pieces or beat you to a pulp or drive off and report it later? I think most would save themselves first and get away.
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  324. Pumpkin is one of my all time favorite starchy carbs. It is officially a power food in my book. With three grams of fiber per one cup serving and only 49 calories, it can keep you feeling satisfied for quite a while.
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  325. Individual gifs only and link directly to the gif.
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  326. The OPEC crisis of 1974 was a classic example of the failure of some socialistic ideals in the United States. The Government took it upon itself to dictate where and what amount of oil was needed in different places. The government completely disregarded the market and its role in efficiently organizing economic activity. The Government imposed a price ceiling on the oil leading to acute shortage in some regions. The price was kept, by command, below the level that would have equated the amount of gasoline available at the gas stations to the amount consumers wanted to buy at that price. This led to lines in gas stations in the United States, which produces much of its own oil, as compared to other countries such as Germany, which rely on imported oil. An efficient price system, in part, simply means that the information transmitted by price gets to all that it was intended for. This opens another can of worms in that an efficient price system (which is brought about by capitalism) provides an incentive to adopt those methods of production that are least costly and thereby use available resources for the most highly valued purposes.
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  327. Identify alternative capacity adjustment measures as a back up. Short term modifications usually involve labor and inventory adjustments, while longer term adjustments usually involve more capital intensive modifications such as equipment and facility sales or purchases.capavon23 comments on New hot styles for Spring 2013
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  328. This includes pictures of text with irrelevant images that don add context. Make a self post instead. ExampleCan’t wait for this one
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  330. Be flexible. While you should head to the car dealership with a good idea of what you are looking for, it can pay to have a little wiggle room. Try to have several makes or models that fit your needs, and you can choose the best deal when you find out what is available at your particular dealer
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  331. Scientists at the University of Birmingham took samples from car seats and discovered an average of 100 potentially dangerous bacteria and fungi lurking in each square centimeter.
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  332. The former Victoria’s Secret model also wants to get into acting. She told British Vogue that acting is her true passion. She looks up to models like Meryl Streep and Charlize Theron.
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  333. With the sky rocketing rise in the number of cases on auto theft, it is no surprise that car security has become a primary concerns for people all over the world. By taking a few extra security precautions, you can avoid being a victim. Innovative video camera recorders should be your first and foremost step towards a safety for your expensive investment. They stand out as your sole line of defense and security.
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  334. A Certified first responder is one who has received certification to provide pre hospital care in a certain jurisdiction. For example, the Certified First Responder in France. A community first responder is a person dispatched to attend medical emergencies until an ambulance arrives. A Wilderness First Responder is trained to provide pre hospital care in remote settings, and will therefore have additional skills in ad hoc patient packaging and transport by non motorized means.car seat is probably gross
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  335. Jensen Farms voluntarily recalled the cantaloupes sold under the Rocky Ford label that were shipped between July 29 and September 10 in seventeen states. Farm spokespeople have said that the cantaloupes in question should have either a green and white label that says ” Product of USA, Frontera Produce Company, Fresh, Rocky Ford Cantaloupe or a gray, yellow and green sticker that says “Jensen Farms Sweet Rocky Fords. The CDC, FDA and Jensen Farms warn that anyone who suspects that they might have a contaminated cantaloupe but cannot find a label should return it to their grocer for identification and sourcing information. Anyone who has eaten cantaloupes in the last few weeks and then had flu like symptoms should contact a doctor especially if they have health conditions that include cancer or immune disorders as well as pregnant women.
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  336. 5. Place the cover in the washing machine on and with a mild detergent no fabric softener.
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  338. I am knee deep in butter and flour testing cookies for my annual 12 Days of Cookies series, which begins December 1. As usual, I am so excited for this year lineup they are so varied and so good but I always have a ton of odds and ends ingredients laying around after testing a zillion recipes. Last week I found myself with a random smattering of caramel bits, milk chocolate toffee bits and chocolate chips, and got really excited about what they could all do together if they hopped in a bowl with some sugar, butter and flour.
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  339. Big government. The socialist government tends to get more money from taxes. More money makes the government more powerful. Big governments tend to be slow to change and this causes more bureaucracy. Big governments may also cause unnecessary wastage of taxes since they tend to have many departments that are bound to overlap one another in terms of functions. Hence two or more departments may be established to execute one action. Since the employees have to be paid, money is wasted.
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    In addition to the press release and the financials, we’ve included a presentation summarizing our third quarter 2014 results. With me today are Mr. Richard Fairbank, Capital One’s Chairman and Chief Executive Officer; and Mr. Steve Crawford, Capital One’s Chief Financial Officer. Rich and Steve will walk you through the presentation.
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  341. To identify any problems related to capacity and how they may negatively impact production schedules and the overall goal of meeting the forecasted customer demands.
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  345. Conclusion:Defensive Investors, the most conservative level of ModernGraham style investing, may not be interested in Capital One Financial due to the unstable earnings and low earnings growth over the last ten years, but Enterprising Investors should be very interested. The company passes all of the investor types’ requirements, and they should feel very comfortable proceeding to the next part of the analysis, which is a determination of the company’s intrinsic value.
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  346. You have all the rudiments of an exemplary Caprese Appetizer Skewers? We really needed to call this Caprese on a Stick however thought that really wasn’t really adequate for this little Caprese Appetizer Skewers. Make these Caprese Appetizers Skewers ahead of time on the off chance that you looking like, however be certain to give them a chance to come to room temperature before serving. How might you want to find how to make Caprese Appetizer Skewers? These sticks are a helpful nourishment to anticipate get togethers. You can make your own particular Caprese Appetizers Skewers in an undertaking of a couple of developments. All you truly need to do is to unite the sticks, as there is no requirement for you to prepare them. In the event that finger and Caprese Appetizers Skewers are all you are serving, you can additionally keep yourself from the drive you insane of needing to do a great deal of get out after your gathering.
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  348. In recent years, the company has grown its EPSmg (normalized earnings) from $3.20 in 2010 to an estimated $6.86 for 2014. This is an outstanding level of growth, which significantly outpaces the market’s implied estimate of only 1.46%. In fact, the actual growth demonstrated by the company is greater than twenty percent. As a result of the strong growth demonstrated historically, the ModernGraham valuation model returns an estimate of intrinsic value well above the price, supporting a clear conclusion that the company is significantly undervalued. Enterprising Investors are therefore encouraged to proceed with further research to determine whether Capital One Financial is suitable for their own individual portfolios.
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  349. Non interest expenses increased $17 million from the prior quarter, driven by higher marketing expense. We expect both operating expenses and marketing to increase in the fourth quarter; driven by loan growth, the expected seasonal ramp in marketing and continuing opportunities, we see to drove customer relationships, purchase volume, and loans. Domestic charge off rate improved 69 basis points on a sequential quarter basis to 2.83%. We believe the sharp improvement in the quarter is temporary. The third quarter is usually the seasonal low point for card losses, but we think seasonality drove only about half of the improvement that we saw in the quarter.
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  350. They live close to the nature, trying to help other as they are ” brothers of all people”and they live in a very simple way.
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  351. We reserve the right to remove posts, remove comments, and ban users at our own discretion. It not limited to how educated a person is as to whether they go vote, it how motivated they are, and the best way to motivated people is to make them afraid or angry. Mandatory voting nations, on the other hand, have to try and cater to the whole voting demographic because everyone is going to the polls anyway. They don have to rile you up to get you there.can’t tell what people would perceive of me
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  352. Car battery problems can quickly arise from alternator problems. If your alternator is going bad, then it will no longer be able to charge your battery. You’ll start your car, drive for awhile and your car will die. The battery won’t restart the car and you’ll be stuck. Like I mentioned in the above point, the alternator powers almost all of the electrical systems of the car once the car is started and it recharges the battery as well. So if your alternator is going bad, not only will your battery not recharge fully, but your car might die on you while driving because you aren’t generating enough spark or other things in order to successfully run your vehicle. If you have more questions about faulty alternators, I’ve written another hub called Alternator Problems.
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  353. limit my search to /r/AdviceAnimalsuse the following search parameters to narrow your results:see the search faq for details. This includes not asking for upvotes and not revealing personal information.
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  354. If you can find either, ask your beer vendor if he/she can suggest a red Flemish ale for a Belgian stew. If he/she is any good, he/she should pick one for you that is sweet enough to help the caramelization that needs to take place in the stew, but not sweet enough to turn this dish into a dessert. For Denyala I like it quite a lot with white rice usually I make a big quantity of it, serve it the first time with potatoes, the second time over rice.
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  355. According to Friedman, despite its obvious failure as an economic system in most countries, the fundamental ideas behind socialism if were successful would have some benefits.
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  356. Here is a sample workout plan I’ve developed. It combines strategies I’ve found optimally effective at burning body fat and improving body composition while building muscle and developing strength:
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  357. Pandas are cute animals. They are also easy to paint, you can either paint a simple panda shown below or paint multiple pandas playing in the grass, a baby panda with mother, a panda chewing on bamboo, or any other idea you think of.Canyon Creek Lakes and L Lake Backpacking
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  358. In contrast to the earlier nineteenth century, the United States carries a much less severe form of capitalism. During the 2008 presidential campaign, Barack Obama described his proposed federal income tax cuts for the middle class as “sharing the wealth” Taxation is a form of government interference in the market. It causes some deadweight loss to occur and thus reduces market efficiency as a whole. This shows that the United States has, over the years, incorporated some socialistic ideas. The markets are not free; they are highly rcontrolled. The exchange rates and values of our currency do not float freely but are manipulated heavily through government rate setting activities such as devaluation of currency to increase exports and revaluation to increase imports. They are incentivized or discouraged by the Internal Revenue Code.
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  359. Although reducing your carb consumption when coupled with an increased protein intake can help you control your overall calorie intake for weight loss and healthy weight management, your body does need carbohydrates on a daily basis to function properly. Consuming too few carbs can lead to nausea, headaches, dizziness, constipation, weakness and fatigue. The Institute of Medicine recommends adults consume at least 130 grams of carbs daily. Also, pregnant women should eat 175 grams of carbs each day and nursing women should get at least 210 grams of carbs per day.carb Pork Stir
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  360. Of course, you have to be careful when you have a car amplifier. If you like listening to your music too loud can damage your hearing. You also can not hear what’;s happening in the traffic around you, such as sirens or horns. In some areas there are ordinances against music too loud. You do not want to end up getting a ticket and pay the money owed to love the sound of your car amplifier.Car Battery Problems
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  361. Here are two examples of a low carbohydrate daily meal plan, taking into account a weight workout in the evening (option 1) or morning (option 2). If you don’t lift weights, simply replace the carbohydrates with green vegetables.
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  362. Please also try to come up with original post titles. Submissions that use certain clichs/memes will be automatically tagged with a warning.CaptainMogran comments on AMMURICA
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  363. Although reducing your carb consumption when coupled with an increased protein intake can help you control your overall calorie intake for weight loss and healthy weight management, your body does need carbohydrates on a daily basis to function properly. Consuming too few carbs can lead to nausea, headaches, dizziness, constipation, weakness and fatigue. The Institute of Medicine recommends adults consume at least 130 grams of carbs daily. Also, pregnant women should eat 175 grams of carbs each day and nursing women should get at least 210 grams of carbs per day.carb Pork Stir
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  394. Non interest expenses increased $17 million from the prior quarter, driven by higher marketing expense. We expect both operating expenses and marketing to increase in the fourth quarter; driven by loan growth, the expected seasonal ramp in marketing and continuing opportunities, we see to drove customer relationships, purchase volume, and loans. Domestic charge off rate improved 69 basis points on a sequential quarter basis to 2.83%. We believe the sharp improvement in the quarter is temporary. The third quarter is usually the seasonal low point for card losses, but we think seasonality drove only about half of the improvement that we saw in the quarter.
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  398. “It’s difficult for us to see how Capital One (NYSE:COF) can grow EPS in 2016 based on the net charge off rate trajectory that it has laid out,” say Nomura’s Bill Carache, downgrading to Neutral from Buy, and cutting the price target to $86 from $94. “Our analysis leads us to conclude that the tailwind from accelerating loan growth that COF is experiencing is not enough to offset the headwind associated with taking its NCO rate from 2.8% in Q3 to a steady state of 3.5%.”Capital One is an outlier to the downside among the credit card names in today’s session, lower by 1.15%. “This is not for the faint of heart.”
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  405. Non interest expense increased $29 million or 3% from the prior year. The increase resulted from growth in auto loans as well as a change in the geography of where we recognized auto repossession expenses, which are now included in operating expense rather than in net charge offs.
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  412. Loan yields declined 11 basis points in the quarter and 48 basis points compared to the prior year, driven by increased competition and our choice to originate more variable rate loans. Revenues increased 3% from the second quarter and about 10% from the prior year. The year over year increase was the result of growth in loan and deposit balances across the franchise, offset by declining loan yields. The stronger increase in non interest income was driven by the Beech Street acquisition and growth of fee generating business.Capital One Had A Shocker In Q3
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  421. Saying that 8+ year as a minimum is bad because in Norway the max is 6 years, is like saying Norway 6 years is bad because in some other country they don make you go to jail at all. It not because one country does it differently that one is right or wrong. I still think that killing someone is the worst thing you can do. He knew very well that drinking and driving was bad, yet he still did it, so he fully responsible for manslaughter no matter what. I not the one making the law, neither are you, so it pointless to argue about it anyways. I not OK with people who don have the common sense not to drive while drunk and who then are looking for pity because “Oh shit, I KILLED A CHILD.” I lost four of my friends to a drunk driver. Fucking bastards don deserve any favor or pity. I don care if they didn “mean to”, if it was an “accident”. THEY put THEMSELVES in a situation where they are prone to accidents. They CHOSE to maneuver a one ton metal box when they can even walk properly. No pity for them.captchoo comments on The save icon is a floppy disk and everyone still understands the
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  430. This trip is a total winner. I”d definitely recommend taking Army Pass (and not New Army Pass) to tackle Mt Langley maps don”t show the trail up Army Pass, but it”s an easy to find continuation of switchbacks from the head of Lake 4 of Cottonwood Lakes, and the views from the top back over the Lakes are stunning beware you may find it so beautiful in the Lakes you”ll want to stay an extra couple of days (another trip we did here later September, it snowed 6 inches overnight amazing blue skies and winter wonderland views the next day deer around as well). Mt Langley is well worth the effort (one of CA”s 14,000 footers at 14,026”) as the views from the top are superb, especially of Whitney not technical a bit of bouldering about 100 feet below the summit no main trail, just follow the various scree trails up and over. And the side route to Siberian Pass is well worth the effort do note that if you do the Siberian Pass loop, there”s no water after Big Whitney Meadow til you reach Rock Creek (streams are marked on maps north of Siberian Pass before you connect with the PCT, but are all dry!). If you”re traveling to Rock Creek between June and end of October, make sure you visit the Ranger”s station (way back in the woods!) and chat with Erica and husband Dave great couple with a real passion for the region. And when camping at Rock Creek, there”s a bear box further up the trail, which you can miss if you camp at the first clearing by Rock Creek check out the very high, wide and deep bear scratch marks on some of the trees at the campsite to appreciate the box and your own bear cache. And as you”re just below 10,000”, you can light a fire do use the existing rock surround at the first clearing. All in all, a highly recommended trip!Capacity Planning
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  439. Foolish to attempt this in November. No snow, but it was absolutely freezing at 12,000 ft at night. The trail is easygoing to begin with, and we had hoped to bag Langley, but it was just too cold to continue. Best attempt this in summertime (we tried the follow late May and awoke to white out snow storm). Be sure to spend night at trailhead to acclimate to altitude. Still, what we saw halfway through was beautiful and pristine and remote (since no one else in their right mind was backpacking here at these times).
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  444. No slurs or harassing comments. he probably thinks about suicide often and was drunk that night feeling like shit. I wouldnt judge him for a comment history of being an asshole,sounds like he has earned being an ass. Downvote because of my dissenting opinion, that fine, but Norway has a MAXIMUM penalty of six years for killing a person while driving drunk.
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  483. Another famous example: In his pivotal Have a Dream speech, Dr. Martin Luther King Jr. observed that opponents of the civil rights movement were wondering, will you be satisfied? King used that question as the springboard for listing what Negroes wanted in order to say they were satisfied: an end to police brutality, comfortable lodging in nice hotels and motels, permission to live in homes outside the ghetto, and an unlimited right to vote.
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  485. Establish a budget before you go car shopping, so you have a great idea of what is in your price range. Try your best to stay within your budget. If you must go over, the amount that you go over should not be so significant that it puts you in a financial bind.
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  489. Sure, there are some that are at those places, and sure, rehabilitation does work sometime.
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  492. Please submit the original article. Spamblog submissions are subject to removal and readers are encouraged to report them.
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  494. Loan yields declined 11 basis points in the quarter and 48 basis points compared to the prior year, driven by increased competition and our choice to originate more variable rate loans. Revenues increased 3% from the second quarter and about 10% from the prior year. The year over year increase was the result of growth in loan and deposit balances across the franchise, offset by declining loan yields. The stronger increase in non interest income was driven by the Beech Street acquisition and growth of fee generating business.Capital One Had A Shocker In Q3
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  495. “Capital One delivered another quarter of solid results for the company and across our businesses, and we continued to return capital to our shareholders as we execute our announced $2.5 billion share repurchase program,” said Richard D. Fairbank, Chair and Chief Executive Officer.
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  497. Conclusion:Defensive Investors, the most conservative level of ModernGraham style investing, may not be interested in Capital One Financial due to the unstable earnings and low earnings growth over the last ten years, but Enterprising Investors should be very interested. The company passes all of the investor types’ requirements, and they should feel very comfortable proceeding to the next part of the analysis, which is a determination of the company’s intrinsic value.
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  503. You should check P out sometime, just start in season 3 and see if you like it. Even the show stars recommend skipping Season 1.captaincannibal comments on Cannibal’s
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  507. MCLEAN, Va., Oct. 30, 2014 /PRNewswire/ Capital One Financial Corporation (COF) today announced a quarterly dividend of $0.30 per share payable November 20, 2014 to stockholders of record as of the close of business on November 10, 2014. The company has announced dividends on its common stock every quarter since it became an independent company on February 28, 1995. Dividends declared by the company are eligible for direct reinvestment in the company’s common stock under its Dividend Reinvestment and Stock Purchase Plan. and Canada).
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  509. Defensive Investor Must pass all 6 of the following tests: Score = 4/6
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  510. In addition to the press release and the financials, we’ve included a presentation summarizing our third quarter 2014 results. With me today are Mr. Richard Fairbank, Capital One’s Chairman and Chief Executive Officer; and Mr. Steve Crawford, Capital One’s Chief Financial Officer. Rich and Steve will walk you through the presentation.
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  529. Welcome to the Capital One Third Quarter 2014 Earnings Conference Call. All lines have been placed on mute to prevent any background noise. After the speakers’ remarks, there will be a question and answer period. (Operator Instructions) Thank you.
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  537. These monks wear a robe with a brown color which is resembling the color of the mixture of the espresso drink with milk, called cappuccino that is very famous world wide now.
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  555. Ending deposit balances declined by about $1.5 billion or 1% in the quarter. Year over year deposit balances declined about $800 million. We’ve had an abundance of deposits since the ING Direct acquisition, and we’ve been allowing the least attractive deposits from Capital One’s legacy direct bank to run off.
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  574. I would now like to turn the call over to Mr. Jeff Norris, Senior Vice President of Global Finance. Sir, you may begin.
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  601. Most of the remaining improvement was the result of better than seasonal delinquency rates we experienced in the first half of the year flowing through the charge offs in the quarter. We’ve already seen this short term delinquency benefit reverse itself. We think the 2.83% charge off rate is an unsustainable low point, and that losses are headed up from here. In the short term, we expect normal seasonal increases in the charge off rate in the fourth quarter and the first quarter of 2015. Beyond seasonality, the temporary delinquency benefit I just described has run its course which will add to the upward trend in the charge off rate in the fourth quarter.
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  612. In contrast to the earlier nineteenth century, the United States carries a much less severe form of capitalism. During the 2008 presidential campaign, Barack Obama described his proposed federal income tax cuts for the middle class as “sharing the wealth” Taxation is a form of government interference in the market. It causes some deadweight loss to occur and thus reduces market efficiency as a whole. This shows that the United States has, over the years, incorporated some socialistic ideas. The markets are not free; they are highly rcontrolled. The exchange rates and values of our currency do not float freely but are manipulated heavily through government rate setting activities such as devaluation of currency to increase exports and revaluation to increase imports. They are incentivized or discouraged by the Internal Revenue Code.
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  618. The company also declared a quarterly dividend on the outstanding shares of its 6.25% Fixed Rate Non Cumulative Perpetual Preferred Stock, Series C (the “Series C Preferred Stock”). Each outstanding share of the Series C Preferred Stock is represented by depositary shares, each representing a 1/40th interest in a share of Series C Preferred Stock. The dividend of $15.625 per share (equivalent to $0.390625 per outstanding depositary share) will be paid on December 1, 2014 to stockholders of record at the close of business on November 14, 2014. A., had $204.3 billion in deposits and $300.2 billion in total assets as of September 30, 2014. Headquartered in McLean, Virginia, Capital One offers a broad spectrum of financial products and services to consumers, small businesses and commercial clients through a variety of channels. has approximately 900 branch locations primarily in New York, New Jersey, Texas, Louisiana, Maryland, Virginia and the
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  622. Forward Looking Statements Certain statements in this release are forward looking statements, which involve a number of risks and uncertainties. Capital One cautions readers that any forward looking information is not a guarantee of future performance and that actual results could differ materially from those contained in the forward looking information due to a number of factors, including those listed from time to time in reports that Capital One files with the Securities and Exchange Commission, including, but not limited to, the Annual Report on Form 10 K for the year ended December 31, 2013.Capitalism Vs Socialism In The Usa
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  623. Net income available to share holders was $1.06 billion. This was 3% lower than the net income that was reported last year and 10% lower than the net income reported in the prior quarter as well. This decline in net income is due to the sudden hike in loan provisions rather than an increase in operating expenses. The company has managed to reduce operating expenses to a great extent, but this did not translate into higher bottom lines. The company reported net income per diluted common share at $1.86, which was 1% higher than what the company reported a year ago, but 9% lower than the earnings that were reported in the second quarter of 2014.
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  653. I got really into Last Resort, but I didn really keep up on any news about it being renewed or cancelled. Then finally I realized they must have cancelled the show so they were going out with a bang. I was excited and disappointed at the same time. It was a really fast tying up of loose ends, but a great whirlwind for those last few scenes of the show. You are exactly right that it was probably best for the show. They would have just let the conspiracies run deeper, and would have started grasping at straws for plot devices. The attempted sub takeovers would have gotten old. We would have kept watching like chumps knowing full well that we never really get closure until five years later when they had a finale that could never live up to expectations. Instead, they got cancelled and it was as if they had planned a pretty great one season BBC show. Andre Braugher acting really made that show too. NBC shows like Parks and Rec, 30 rock, community and the later seasons of the office, while critically acclaimed, weren pulling in a lot of viewers. But because NBC wasn in danger of dropping any lower in competition with the other networks at the time and didn have anything better waiting in the wings, those shows were able to enjoy a longer run.
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  664. Saying that 8+ year as a minimum is bad because in Norway the max is 6 years, is like saying Norway 6 years is bad because in some other country they don make you go to jail at all. It not because one country does it differently that one is right or wrong. I still think that killing someone is the worst thing you can do. He knew very well that drinking and driving was bad, yet he still did it, so he fully responsible for manslaughter no matter what. I not the one making the law, neither are you, so it pointless to argue about it anyways. I not OK with people who don have the common sense not to drive while drunk and who then are looking for pity because “Oh shit, I KILLED A CHILD.” I lost four of my friends to a drunk driver. Fucking bastards don deserve any favor or pity. I don care if they didn “mean to”, if it was an “accident”. THEY put THEMSELVES in a situation where they are prone to accidents. They CHOSE to maneuver a one ton metal box when they can even walk properly. No pity for them.captchoo comments on The save icon is a floppy disk and everyone still understands the
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